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Is Your Dental Plan Out of Date? Benefits Expert Jim Edholm Explains What to Look for in Article in Employee Benefits News

ANDOVER, MA--(Marketwire - May 7, 2008) - The last twenty-five years have seen major
changes in the field of dentistry, but the same cannot be said for dental
plan provisions, writes benefits thoughtleader Jim Edholm in his latest
article "Is Your Dental Plan Stuck in a Time Warp?" published recently in
Employee Benefits News.

"Appearances can be deceiving," writes Edholm, President of Business
Benefits Insurance. "The technology has changed but not all policy language
has changed with it. Therein lies the way in which your plan may be behind
the times."

"Clearly, the outdated dental plan covers items that aren't necessary while
not covering some that are," Edholm continues. "So your employees have to
pay for treatments out of their own pocket. Truthfully, they probably
choose to not have the necessary treatment -- oral problems don't seem
serious on the surface -- but their long-term implications are weighty."

Edholm highlights the three predominant types of dental coverage -- Type I,
Type II and Type III -- outlining both the obvious and subtle differences
between them, and offering his advice for employers of all sizes as to the
right fit. While many similarities exist, Edholm cites several areas in
which dental coverage has become considerably more complicated, including
areas such as periodontal disease, white fillings for posterior teeth, oral
cancer, crown and bridge replacement and others. Edholm further notes that
these issues can appear fundamentally consistent with policies of the
1980s, and warns that such an assumption for an employer can be as
dangerous as it is costly.

"Ask your broker about your dental plan," he advises. "Tell him you want to
have a dental plan provision analysis. If he looks dumbfounded... find a
new broker!"

Jim Edholm is President of Business Benefits Insurance (BBI), an employee
benefits planning firm in Andover, MA. He has worked with employers for
more than 25 years and can be contacted at (978) 474-4730, via his website
www.Group-Insurance-Guide.com or via e-mail: jedholm@bbibenefits.com.